Budget Ideas for Lazy Retirees

A budget is necessary even for lazy retirees.

If you are one of those individuals that would rather pay a late fee or use a credit card to buy gas and incur the extra dollar amount, there is good news. Lazy people can really have and stick to a budget and it does not have to be painful at all.

Keep It Simple

Changing your perception of money and how you should or should not budget your finances may make all the difference between incurring debt and keeping it at bay.

Try changing your perception of calling yourself lazy to one of being simple. Being simple has a much nicer ring to it and can reap more success than walking around thinking or saying that you are lazy.

Let Others Do the Work for You

There are so many ways to get your bills paid that there is no reason why you have it can't be simple.

Automatic bill pay is one way of getting your bills paid without having to so much as lift a finger. Just set up automatic bill pay with your lender, and every month your recurring charges and fees will be automatically deducted from your checking account. Now doesn’t that sound simple?

Also, if employed, have your employer direct deposit your check. You will never have to go to the bank and cash your check. Your funds are directly deposited right into your checking account. The only thing you might have to do is withdraw cash once per week.

Recently, I've seen Moms posting on Facebook how they save money grocery shopping online. They do the Pick-Up-At-The-Curb thing, and shop from a list using their phone/computer. They don't do impulse buying as they don't run through the entire store like most of us do. I think that's something most of us have never considered... but it might be worth a try!

Add and Subtract

What could be easier than simple mathematics?

$ __________________ - Monthly Income (net)

minus $ _______________ - Bills due

equals $________________- Spendable Income

Go to the ATM once per week, withdraw your money for food, gas, and whatever else is on your spendable income list and there you have it.

By paying cash for gas, you will be able to avoid fees and surcharges on your credit/debit card.

Having the exact amount of spendable cash in your allotment for the week will also avoid late fees, overages, and charges for insufficient funds. No hassle; no fuss; no worry.

Banking, bill paying, direct deposit, and ATM machines are all excellent ways to be lazy on a budget. You can even go to the supermarket, buy groceries, stamps, gift cards, medicines, and get cash back at the register.

Today’s bill paying is an all-in-one convenience for those of us who are a bit on the lazy side of the budget fence.